{"id":383871,"date":"2021-05-26T01:03:23","date_gmt":"2021-05-26T08:03:23","guid":{"rendered":"https:\/\/nai500.com\/blog\/2021\/05\/common-retirement-mistakes-you-want-to-avoid\/"},"modified":"2021-05-26T01:04:39","modified_gmt":"2021-05-26T08:04:39","slug":"%e4%b8%80%e5%ae%9a%e8%a6%81%e9%81%bf%e9%96%8b%e5%b8%b8%e8%a6%8b%e9%80%80%e4%bc%91%e9%8c%af%e8%aa%a4","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2021\/05\/%e4%b8%80%e5%ae%9a%e8%a6%81%e9%81%bf%e9%96%8b%e5%b8%b8%e8%a6%8b%e9%80%80%e4%bc%91%e9%8c%af%e8%aa%a4\/","title":{"rendered":"\u5e38\u898b\u9000\u4f11\u932f\u8aa4\uff01\u4e00\u5b9a\u8981\u907f\u958b"},"content":{"rendered":"

\u9000\u4f11<\/a>\u76ee\u6a19\u5c0d\u6bcf\u500b\u4eba\u4f86\u8aaa\u90fd\u4e0d\u540c\u3002\u4f60\u53ef\u80fd\u60f3\u548c\u5b6b\u5b50\u4e00\u8d77\u4eab\u53d7\u6642\u5149\u3001\u65c5\u884c\u3001\u5728\u82b1\u5712\u88e1\u5de5\u4f5c\uff0c\u6216\u8005\u6574\u665a\u770b\u96fb\u8996\u800c\u4e0d\u64d4\u5fc3\u6709\u591a\u665a\u3002\u7136\u800c\uff0c\u5e38\u898b\u7684\u9000\u4f11\u5efa\u8b70\u662f\u5ee3\u6cdb\u7684\uff0c\u4e26\u4e0d\u80fd\u5e6b\u52a9\u4eba\u5011\u5be6\u73fe\u4ed6\u5011\u7684\u500b\u4eba\u76ee\u6a19\u3002<\/p>\n

\u5728\u9019\u7bc7\u6587\u7ae0\u4e2d\uff0c\u6211\u5c07\u8a0e\u8ad6\u5728\u8a08\u5283\u9000\u4f11\u6642\u61c9\u907f\u514d\u7684\u5e38\u898b\u932f\u8aa4–\u5927\u591a\u6578\u4eba\u90fd\u4e0d\u77e5\u9053\u4ed6\u5011\u6b63\u5728\u72af\u7684\u932f\u8aa4\uff01\u6211\u5011\u6bcf\u500b\u4eba\u90fd\u6709\u4e0d\u540c\u7684\u60c5\u6cc1\u3001\u76ee\u6a19\u548c\u671f\u671b\uff0c\u800c\u5927\u591a\u6578\u95dc\u65bc\u9000\u4f11\u7684\u5efa\u8b70\u90fd\u662f\u5343\u7bc7\u4e00\u5f8b\u3002\u9280\u884c\u548c\u9867\u554f\u7d66\u51fa\u7684\u5efa\u8b70\u8a66\u5716\u9069\u5408\u6bcf\u4e00\u7a2e\u60c5\u6cc1\u548c\u6bcf\u4e00\u7a2e\u671f\u671b\uff0c\u4f46\u9019\u662f\u6709\u554f\u984c\u7684\u3002\u9019\u5c31\u662f\u4e0d\u826f\u5efa\u8b70\u7684\u50b3\u64ad\u65b9\u5f0f\uff0c\u66f4\u591a\u7684\u4eba\u5728\u8a08\u5283\u9000\u4f11\u6642\u4e0d\u65b7\u72af\u9019\u4e9b\u932f\u8aa4\u3002<\/p>\n

\u932f\u8aa4\u4e00\uff1a\u5132\u84c4\u8cec\u6236\u662f\u9280\u5f48<\/h2>\n

\u4e00\u500b\u5e38\u898b\u7684\u7b56\u7565\u662f\u628a\u4f60\u6240\u6709\u7684\u9322\u90fd\u5b58\u5165\u5132\u84c4\u8cec\u6236\uff0c\u56e0\u70ba\u7121\u8ad6\u4e16\u754c\u5982\u4f55\u6ce2\u52d5\uff0c\u4f60\u90fd\u80fd\u4fdd\u8b49\u6709100%\u7684\u56de\u5831\uff0c\u5b8c\u5168\u6c92\u6709\u98a8\u96aa\u3002\u9019\u7a2e\u7b56\u7565\u572830\u5e74\u524d\u5f88\u597d\uff0c\u7576\u6642\u5b9a\u671f\u5b58\u6b3e\u7684\u5e74\u5229\u7387\u70ba15%\uff0c\u4f46\u57282021\u5e74\u6839\u672c\u4e0d\u8d77\u4f5c\u7528\u3002\u90a3\u6642\uff0c\u5982\u679c\u4f60\u5b58$1\u842c\uff0c\u5e74\u5229\u7387\u70ba15%\uff0c\u6240\u4ee5\u7d93\u904e5\u5e74\u7684\u5132\u84c4\uff0c\u5c07\u589e\u9577\u5230$20,113.57\uff0c\u57fa\u672c\u4e0a\u662f\u4f60\u6295\u5165\u7684\u5169\u500d\u3002\u4eca\u5929\uff0c\u52a0\u62ff\u5927\u7684\u9280\u884c\u63d0\u4f9b1%\u7684\u5229\u7387\uff0c\u56e0\u6b64\uff0c\u57285\u5e74\u5167\u5b58$1\u842c\uff0c\u5c07\u70ba\u4f60\u984d\u5916\u8cfa\u53d6$510\u7684\u5229\u606f\u3002\u9019\u500b\u56de\u5831\u6709\u4fdd\u969c\uff0c\u4f46\u7531\u65bc\u8cbb\u7528\u548c\u901a\u8ca8\u81a8\u8139\uff0c\u9019\u4e5f\u662f\u4e00\u7b46\u640d\u5931\u3002<\/p>\n

\u540c\u6642\uff0c\u5982\u679c\u4f60\u628a\u9322\u5b58\u5165\u5132\u84c4\u8cec\u6236\uff0c\u9280\u884c\u6703\u628a\u4f60\u7684\u5b58\u6b3e\u4ee53-6%\u7684\u5229\u7387\u501f\u7d66\u5176\u4ed6\u4eba\uff0c\u6216\u6295\u8cc7\u65bc\u5e02\u5834\uff0c\u9019\u662f\u9280\u884c\u4fc3\u4f7f\u4f60\u628a\u8f9b\u82e6\u8cfa\u4f86\u7684\u9322\u5b58\u5165\u5132\u84c4\u8cec\u6236\u7684\u660e\u986f\u7406\u7531\u3002\u4ed6\u5011\u6b63\u5728\u5f9e\u4f60\u7684\u5132\u84c4\u4e2d\u8cfa\u9322\u3002\u7136\u800c\uff0c\u5373\u4f7f\u4f60\u6709\u4e00\u500b\u5927\u7684\u5132\u84c4\u8cec\u6236\uff0c\u4e5f\u6c92\u6709\u4eba\u6559\u4f60\u5982\u4f55\u628a\u9019\u4e9b\u9322\u62ff\u51fa\u4f86\uff0c\u5982\u4f55\u628a\u5b83\u8b8a\u6210\u6536\u5165\u6216\u5982\u4f55\u4f7f\u7528\u5b83\u3002\u4ed6\u5011\u5e0c\u671b\u4f60\u53ea\u662f\u77e5\u9053\u8a72\u600e\u9ebc\u505a\u3002<\/p>\n

\u96d6\u7136\u6211\u4e0d\u662f\u8aaa\u4f60\u5b8c\u5168\u4e0d\u61c9\u8a72\u6709\u4e00\u500b\u5132\u84c4\u8cec\u6236\uff0c\u800c\u662f\u5728\u4f60\u76f2\u76ee\u5730\u807d\u5f9e\u9280\u884c\u7684\u9019\u500b\u5efa\u8b70\u4e4b\u524d\uff0c\u5148\u660e\u78ba\u4f60\u7684\u76ee\u6a19\u3002\u5c07\u4f60\u7684\u9000\u4f11\u751f\u6d3b\u548c\u4f60\u60f3\u505a\u7684\u4e8b\u60c5\u53ef\u8996\u5316\uff0c\u77ad\u89e3\u9019\u4e9b\u5c07\u5e6b\u52a9\u4f60\u78ba\u5b9a\u672a\u4f86\u7684\u6700\u4f73\u7b56\u7565\u3002<\/p>\n

\u932f\u8aa42–\u904e\u5206\u4f9d\u8cf4\u653f\u5e9c<\/h2>\n

\u5728\u4f60\u7684\u9000\u4f11\u5132\u84c4\u8a08\u5283\uff08RRSP<\/a>\uff09<\/u>\u4e2d\u6295\u5165\u592a\u591a\u7684\u9322\uff0c\u53ef\u80fd\u6703\u5c0e\u81f4\u4f60\u6709\u53ef\u80fd\u8cfa\u53d6\u66f4\u5c11\u7684\u653f\u5e9c\u798f\u5229\u3002\u4f8b\u5982\uff0c\u4f60\u6bcf\u5e74\u9760\u79df\u91d1\u6536\u5165\u3001\u990a\u8001\u91d1\u3001\u52a0\u62ff\u5927\u990a\u8001\u91d1\u8a08\u5283\uff08CPP\uff09\u548c\u8001\u5e74\u4fdd\u969c\uff08OAS\uff09\u8cfa\u53d6$60,000\uff0c\u800c\u4f60\u7684RRSP\u50f9\u503c500,000\u7f8e\u5143\u3002\u5728\u5efa\u7acb\u4e8640\u5e74RRSP\u5f8c\uff0c\u9019\u662f\u975e\u5e38\u53ef\u4ee5\u5be6\u73fe\u7684\u3002\u7136\u800c\uff0c\u572871\u6b72\u6642\uff0c\u6839\u64da\u6cd5\u5f8b\u898f\u5b9a\uff0c\u4f60\u8981\u5c07\u4f60\u7684RRSP\u8f49\u63db\u6210RRIF(\u8a3b\u518a\u9000\u4f11\u6536\u5165\u57fa\u91d1)\uff0c\u6839\u64da\u6cd5\u5f8b\u898f\u5b9a\uff0c\u4f60\u81f3\u5c11\u8981\u62ff\u51fa5%\uff0c\u5728\u4f60\u73fe\u6709\u7684\u6536\u5165\u4e0a\u518d\u589e\u52a0$25,000\u3002\u9019\u5c07\u5c0e\u81f4\u4f60\u7e73\u7d0d\u66f4\u591a\u7684\u7a05\uff0c\u800c\u4e14\u7531\u65bc\u6536\u5165\u56de\u6263\uff0c\u4f60\u7684OAS\u4ed8\u6b3e\u4e5f\u6703\u6e1b\u5c11\u3002\u5373\u4f7f\u6536\u5165\u662f\u4f86\u81ea\u4f60\u81ea\u5df1\u7684\u5132\u84c4\uff0c\u4f46\u8f03\u9ad8\u7684\u9000\u4f11\u6536\u5165\u6703\u5c0e\u81f4\u653f\u5e9c\u6e1b\u5c11\u798f\u5229\u3002<\/p>\n

\u6839\u64da\u4e00\u9805\u7814\u7a76\uff0c\u5c0d\u65bc\u8af8\u5982OAS\u7b49\u653f\u5e9c\u798f\u5229\uff0c\u5728\u672a\u4f86\u7684\u534a\u500b\u4e16\u7d00\u88e1\uff0c\u798f\u5229\u652f\u4ed8\u91d1\u984d\u8207\u5be6\u969b\u8cfc\u8cb7\u529b\u7684\u610f\u7fa9\u6b63\u5728\u9010\u6f38\u4e0b\u964d\u8fd150%\u3002\u4f60\u53ef\u80fd\u6c92\u6709\u610f\u8b58\u5230\u9019\u4e00\u9ede\uff0c\u4f46\u5b83\u6b63\u5728\u767c\u751f\uff0c\u9019\u5c31\u662f\u70ba\u4ec0\u9ebc\u4f60\u5728\u898f\u5283\u4f60\u7684\u9000\u4f11\u751f\u6d3b\u6642\u4e0d\u61c9\u904e\u5206\u4f9d\u8cf4\u653f\u5e9c\uff0c\u56e0\u70ba\u9019\u53ef\u80fd\u6703\u4f7f\u4f60\u5931\u53bb\u4f60\u60f3\u8981\u7684\u751f\u6d3b\u65b9\u5f0f\u3002\u9084\u6709\u5176\u4ed6\u7b56\u7565\u53ef\u4ee5\u5617\u8a66\u4f7f\u4f60\u7684\u5229\u76ca\u6700\u5927\u5316\uff0c\u5305\u62ec\u7528\u6e1b\u7a05\u4f86\u62b5\u6d88\u4f60\u7684\u4e3b\u52d5\u6536\u5165\uff0c\u5c07\u4f60\u7684\u61c9\u7a05\u6536\u5165\u8f49\u70ba\u514d\u7a05\u6536\u5165\uff0c\u6216\u8005\u5236\u5b9a\u4e00\u500b\u66f4\u597d\u7684RRSP\u9000\u51fa\u7b56\u7565\u8a08\u5283\u3002<\/p>\n

\u6bcf\u500b\u4eba\u90fd\u662f\u4e0d\u540c\u7684\uff0c\u6240\u4ee5\u9019\u88e1\u7684\u95dc\u9375\u662f\u627e\u5230\u80fd\u8b93\u4f60\u4e0d\u90a3\u9ebc\u4f9d\u8cf4\u653f\u5e9c\u7684\u6771\u897f\u3002<\/p>\n

\u932f\u8aa43–\u8a8d\u70ba\u4e00\u5207\u90fd\u4e0d\u6703\u6539\u8b8a<\/h2>\n

\u6211\u5011\u751f\u6d3b\u5728\u4e00\u500b\u5feb\u7bc0\u594f\u7684\u4e16\u754c\uff0c\u4e8b\u60c5\u78ba\u5be6\u5728\u8b8a\u5316\uff0c\u60f3\u60f3\u904e\u53bb\u7684\u4e00\u5e74\u5c31\u77e5\u9053\u4e86\u3002\u5e7e\u5e74\u524d\u6709\u6548\u7684\u5132\u84c4\u7b56\u7565\u73fe\u5728\u5df2\u7d93\u904e\u6642\u4e86\uff0c\u672c\u5e16\u4e2d\u63d0\u5230\u7684\u9019\u4e9b\u7b56\u7565\u5f88\u53ef\u80fd\u572810\u5e74\u5f8c\u5c31\u4e0d\u518d\u6709\u6548\u3002<\/p>\n

\u5c0d\u4ed8\u9019\u7a2e\u60c5\u6cc1\u7684\u65b9\u6cd5\u662f\u4fdd\u6301\u4fe1\u606f\u66a2\u901a\uff0c\u6bd4\u5982\u8a02\u95b1\u6211\u7684YouTube\u983b\u9053\uff0c\u6211\u5728\u90a3\u88e1\u6559\u52a0\u62ff\u5927\u4eba\u5982\u4f55\u5efa\u7acb\u4ed6\u5011\u7684\u8ca1\u5bcc\u3002<\/p>\n

\u96d6\u7136\u7b56\u7565\u767c\u751f\u4e86\u8b8a\u5316\uff0c\u4f46\u6709\u4e00\u4e9b\u6838\u5fc3\u7684\u5132\u84c4\u7b56\u7565\u5c07\u6c38\u9060\u4fdd\u6301\u4e0d\u8b8a\uff0c\u9019\u4e9b\u662f\u9700\u8981\u7262\u8a18\u7684\u3002<\/p>\n

    \n
  1. \u78ba\u4fdd\u6838\u7b97\u4f60\u7684\u65e5\u5e38\u958b\u652f\uff0c\u4e26\u80fd\u65b9\u4fbf\u5730\u4f7f\u7528\u652f\u7968\u8cec\u6236\u548c\u77ed\u671f\u5132\u84c4\u8cec\u6236<\/li>\n
  2. \u512a\u5148\u8003\u616e\u5b89\u5168\u548c\u8212\u9069\u7684\u9000\u4f11\u751f\u6d3b\uff0c\u53ef\u4ee5\u901a\u904e\u5275\u5efa\u81ea\u5df1\u7684\u990a\u8001\u91d1\u3001\u5e74\u91d1\u548c\u6700\u5927\u9650\u5ea6\u5730\u63d0\u9ad8\u653f\u5e9c\u798f\u5229\u4f86\u5be6\u73fe\u3002<\/li>\n
  3. \u78ba\u4fdd\u4f60\u7684\u9322\u5728\u589e\u9577\uff0c\u4e26\u4e0d\u65b7\u95dc\u6ce8\u901a\u8ca8\u81a8\u8139\u3002\u4f60\u5e0c\u671b\u6709\u5f37\u5927\u7684\u3001\u591a\u6a23\u5316\u7684\u6295\u8cc7\uff0c\u4ee5\u6230\u52dd\u901a\u8ca8\u81a8\u8139\u3002<\/li>\n
  4. \u59cb\u7d42\u901a\u904e\u64c1\u67093-6\u500b\u6708\u7684\u61c9\u6025\u8cc7\u91d1\u3001\u9810\u5148\u6279\u51c6\u7684\u4fe1\u8cb8\u984d\u5ea6\u548c\u91cd\u65b0\u6aa2\u67e5\u4f60\u7684\u6240\u6709\u4fdd\u96aa\u653f\u7b56\u4f86\u8003\u616e\u7dca\u6025\u60c5\u6cc1\u548c\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u3002<\/li>\n<\/ol>\n

    \u5373\u4f7f\u4e8b\u60c5\u767c\u751f\u8b8a\u5316\uff0c\u4f46\u9075\u5faa\u9019\u56db\u9805\u539f\u5247\u5c07\u4f7f\u4f60\u7684\u9000\u4f11\u751f\u6d3b\u5b89\u5168\u7121\u6182\u3002<\/p>\n

    \u9019\u9ebc\u591a\u4eba\u72af\u9019\u4e09\u500b\u932f\u8aa4\u7684\u539f\u56e0\u662f\u7f3a\u4e4f\u6559\u80b2\u548c\u8ddf\u4e0a\u6700\u65b0\u4fe1\u606f\u3002\u4eca\u5929\u6539\u8b8a\u4f60\u7684\u884c\u70ba\u53ef\u4ee5\u5e6b\u52a9\u4f60\u66f4\u597d\u5730\u70ba\u4f60\u7684\u9000\u4f11\u5132\u84c4\u3002\u5982\u679c\u4f60\u60f3\u8981\u7372\u5f97\u898f\u5283\u4f60\u7684\u9000\u4f11\u751f\u6d3b\u7684\u514d\u8cbb\u8aee\u8a62<\/a>\uff0c\u8acb\u806f\u7e6b\u6211\uff0c\u6211\u5f88\u6a02\u610f\u63d0\u51fa\u6211\u7684\u5efa\u8b70\u3002\u6bcf\u500b\u4eba\u90fd\u6709\u4e0d\u540c\u7684\u60c5\u6cc1\uff0c\u6211\u60f3\u807d\u807d\u4f60\u7684\u6545\u4e8b\uff0c\u77ad\u89e3\u4f60\u5c0d\u672a\u4f86\u7684\u671f\u671b\u3002\u6216\u8005\uff0c\u5982\u679c\u4f60\u60f3\u77ad\u89e3\u66f4\u591a\u95dc\u65bc\u5728\u52a0\u62ff\u5927\u5efa\u7acb\u8ca1\u5bcc\u7684\u4fe1\u606f\uff0c\u8acb\u8a02\u95b1\u6211\u7684YouTube\u983b\u9053<\/a>\uff0c\u6211\u5728\u90a3\u88e1\u4ecb\u7d39\u95dc\u65bc\u9000\u4f11\u3001\u8ca1\u5bcc\u548c\u4fdd\u96aa\u7684\u8a71\u984c\uff0c\u5e6b\u52a9\u52a0\u62ff\u5927\u4eba\u505a\u51fa\u66f4\u597d\u7684\u8ca1\u52d9\u9078\u64c7\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

    \u9000\u4f11\u76ee\u6a19\u5c0d\u6bcf\u500b\u4eba\u4f86\u8aaa\u90fd\u4e0d\u540c\u3002\u4f60\u53ef\u80fd\u60f3\u548c\u5b6b\u5b50\u4e00\u8d77\u4eab\u53d7\u6642\u5149\u3001\u65c5\u884c\u3001\u5728\u82b1\u5712\u88e1\u5de5\u4f5c\uff0c\u6216\u8005\u6574\u665a\u770b\u96fb\u8996\u800c\u4e0d\u64d4\u5fc3\u6709\u591a\u665a\u3002\u7136\u800c […]<\/p>\n","protected":false},"author":34,"featured_media":383865,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[1522],"tags":[1878],"class_list":["post-383871","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1522","tag-1878","sectors-financial-products-zh-hant","locations-canada-zh-hant"],"acf":[],"_links":{"self":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/posts\/383871","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/users\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/comments?post=383871"}],"version-history":[{"count":0,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/posts\/383871\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/media\/383865"}],"wp:attachment":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/media?parent=383871"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/categories?post=383871"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/tags?post=383871"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}